Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,406Cash toward the purchase price.
Closing costs + prepaids$8,343Not just lender fees.
Before credits & paid funds$104,749The complete starting cash picture.
Estimated remaining funds due at closing
$104,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,406.17
Your down payment$96,406.17
Closing costs + prepaids$8,342.66
Total buyer cash needed$104,748.83
Remaining funds due$104,748.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$105.50
Prepaid interest, first (25 days)$262.16
Fees + prepaids$8,342.66
Your down payment is the seller’s equity. You take over the $78,594 balance, so the rest of the $175,000 price is paid at closing. A second mortgage can cover part of it. $104,748.83 is due at closing. Uses and sources reconcile at $183,342.66 each. Not a Closing Disclosure.